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In-Home
Support Services (IHSS)
A long-term care program that
provides funding assistance with housework as well as personal care in
the home. Persons who are 65 or older, disabled, and on SSI or who
are eligible for Medi-Cal, also qualify for IHSS if, without these
services they cannot remain safely at home.
Medi-Cal
California's version of Medicaid, a combined federal and state program
that pays for health and long-term care for eligible low-income citizens
and legal residents. The California Department of Health Services
administers the program. Some people receive benefits from both
Medicare and Medi-Cal.
Medicare
The federal health insurance program administered by the Social Security
Administration that is available regardless of income to all persons at
least 62 years of age or who have been disabled for at least 24 months.
Skilled nursing facility care is covered for up to 100 days with
co-payments after 20 days. The placement must have occurred within
30 days after a hospital stay of at least three days.
Retirement/Assisted
Living Hotels
These are generally large hotel
type buildings that can accommodate anywhere from 50 to 100+
residents. Basic amenities include meals, activities, exercise
programs, and transportation to doctors. Most hotels are
licensed to provide assisted living and can offer help with dressing,
bathing, medications, and escorting to meals. Some assisted living
hotels have dementia units. Costs vary depending on location and care
needs of the resident. Shared rooms range from $950 - 1,700/month.
Private rooms range from $1,800 - 4,500/month. Some accept SSI as
payment for a shared room.
Residential
Care Facilities for the Elderly (RCFEs)
These are usually family operated small residential care homes that are
licensed to provide 24-hour care assistance for 4-6 residents.
Basic amenities include meals, transportation to doctors, activities,
assistance with dressing, bathing, and medication. Many accept
residents who are incontinent, non-ambulatory, have dementia, Parkinsons,
or Alzheimer's. Many have dementia waivers and can accept
"wanderers." Costs vary depending
on location and care needs of the resident. Shared rooms range
from $1,200 - 3,000/month. Private rooms range from $2,00 -
4,000/month.
Skilled
Nursing Facilities (SNFs)
These facilities offer 24-hous skilled nursing care. Staff include
licensed trained professionals, such as: registered nurses (RNs),
licensed vocational nurses (LVNs), and certified nursing assistants (CNAs).
Many SFNs offer occupational, speech and physical rehabilitation
services. Some will accept patients who have IV's, g-tubes, or tracheotomies.
Can also accept patients with open wounds. Private, paid nursing
homes range from $85-130/day (shared occupancy). Many accept
Medicare and Medi-Cal.
Social
Security Supplemental Income (SSI)
Social security will pay the
difference between a senior's combined income and the SSI subsidy limit
(approx. $1000) for retirement/assistance living settings willing to
accept the SSI rate for a shared room. For instance, if a
recipient receives a combined income of $500, the government would
provide the additional $500 SSI benefit.
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